Compare travel insurance for Tenerife and the Canary Islands

A trip to the Canary Islands offers plenty of magical adventures. There are famous beaches, volcanoes, dramatic mountains and quaint villages to explore. Whatever your reason for heading to the Canaries, travel insurance can keep you protected.

A trip to the Canary Islands offers plenty of magical adventures. There are famous beaches, volcanoes, dramatic mountains and quaint villages to explore. Whatever your reason for heading to the Canaries, travel insurance can keep you protected.

Coronavirus (COVID-19) update: please check the latest government travel advice that sets out what you need to do, if anything, before you travel abroad and before you return home. You should also check the latest travel advice and entry requirements for each country you visit or transit through. Travel rules can change at short notice, so check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

Josh Daniels
Travel Insurance expert
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Last Updated 21 FEBRUARY 2022

Do I need travel insurance for the Canary Islands?

It’s not compulsory, but if something goes wrong on your trip – you fall ill or you’re a victim of theft, for example – travel insurance can ensure you’re not left out of pocket. Here’s what to look for.

Customers with more serious pre-existing medical conditions

If you have a serious health condition, the price you pay for travel insurance is likely to be more expensive. However, there are still many providers out there and you should be able to find affordable cover. Whatever happens, don’t be tempted to lie to an insurance provider, because if you do and then need to make a claim, it could be rejected.

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions.

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

How much is travel insurance for the Canary Islands?

You might not think so from looking at a map, but the Canary Islands are part of Spain. That means that you need European travel insurance when visiting Lanzarote, Gran Canaria, Fuerteventura, La Palma, Tenerife, La Gomera and El Hierro. 

The price of travel insurance for the Canary Islands depends on: 

  • What activities you’ll be doing while you’re there 
  • If you have any pre-existing medical conditions 
  • The level of cover you need for medical care, holiday cancellation and lost or stolen luggage 
  • The excess - how much you’re willing to pay towards a claim. 

Travel insurance for the Canary Islands doesn’t have to break the bank. With Compare the Market, you can find peace of mind for as little as £6 when you compare single trip travel insurance for one week in Europe[1]. 

[1] Based on Compare the Market data for a single trip travel policy for a 20 year-old with no pre-existing medical conditions travelling in Europe for 1 week. Prices correct as of January 2022. 

What will Canary Islands travel insurance cover?

A typical travel insurance policy for the Canary Islands should cover: 

  • Medical care - if you have an accident or fall ill on your trip. It should also cover you for repatriation to the UK in a medical emergency.  
  • Holiday cancellation – so you can claim back the costs of missed flights, booked accommodation and pre-booked activities if you need to cancel at the last minute due to unforeseen circumstances, like illness or family bereavement.  
  • Lost or stolen luggage – make sure you get adequate cover for everything you’re taking with you. And check the single item limit – the maximum your insurance provider will pay out for one item  – to be sure valuables like your phone and watch will be covered.  
  • Flight cancellations – check the policy to make sure cover for missed connections is also included. 
  • Coronavirus cover – you may also want to look out for travel insurance that will cover cancellations, medical costs and additional accommodation expenses because of Covid-19. You can compare levels of coronavirus cover using the ‘more details’ option on the quote results page. 

No two travel insurance policies are the same, so it’s important to read the policy details carefully to make sure you know exactly what you’re getting.  

What won’t Canary Islands travel insurance cover?

While your insurance can provide cover for many of the unexpected costs you might face while travelling in the Canary Islands, there will be exceptions. These may include:  

  • Pre-existing medical conditions – if you need these to be covered, you’ll most likely need to pay more for your premium. However, all medical conditions you declare when getting a quote from Compare the Market will be included in the policies shown to you.   
  • Incidents related to alcohol or drug use – Canary Island resorts, like Playa del Inglés in Gran Canaria and Playa de las Américas in Tenerife, are great for nightlife. But if you’re injured or lose something as a result of being intoxicated, your claim will likely be rejected. 
  • Natural disasters – you may have some cover if a natural disaster impacts your trip but check your policy to be sure. The Canary Islands are susceptible to tremors and minor earthquakes. These aren’t often felt by tourists, but you should check your inclusions to be safe. If you’re concerned about disruptions caused by a volcanic eruption, you may be able to add on volcanic ash disruption and other natural disaster cover to your travel insurance policy.  
  • Terrorism – your policy may offer some cover but check carefully. 

What else should I consider when I choose my travel insurance?

The Canary Islands are a great destination for all sorts of adventurous activities, but you should check your travel insurance carefully to see if the activities you want to do are covered. If they’re not, you may be able to add cover to your policy at an extra cost or find a specialist policy. Activities you might want to cover include: 

  • Water sports – if you’re heading to the Canaries for a surfing holiday or you want to try water-skiing, scuba diving or jet-skiing. 
  • Golf insurance can cover you for loss and damage to your clubs and help you reclaim green fees if you’re unable to play due to bad weather or illness. 
  • Extreme sports – the Canary Islands offer some of the best conditions all year round for a range of sports including trail running, bungee jumping and paragliding.  

Insurance providers may not always agree with you on the definition of ‘extreme’. For example, if you’re planning a volcano hike, check your policy details carefully – some policies may exclude hiking over a certain elevation. And Tenerife’s famous Mount Teide tops out at a dizzying 3,715m.  

Details on Covid-19 vaccination and testing requirements for the Canary Islands can be found on the GOV.UK website

How does the EHIC card affect travel insurance in the Canary Islands?

The European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) give you the right to state medical treatment on the same terms as other EU nationals. 

You can no longer apply for an EHIC now the UK has left the EU, but if you have one that was issued before the end of 2020 it will be valid until the expiry date. 

The UK government has introduced a replacement called the Global Health Insurance Card (GHIC). If you don’t have an EHIC, or once yours expires, you can apply for a GHIC on the NHS website and it should arrive within 10 days. The GHIC will offer the same cover the EHIC did in EU countries. 

Any other tips for trips to the Canary Islands?

Here's a few more travel facts about the Canary Islands to help you enjoy your trip: 

  • Drinking water - the islands have desalinated sea water, which is safe to drink but doesn’t taste great. The locals tend to buy bottled water – it’s cheap and easily available. 
  • Altitude sickness - this can be a risk if you climb above 2,500m. Hikers are advised not to plan such a trip during the summer months. 
  • Tipping - much like at home, leave 10% for waiting staff if you’re happy with the service. Taxi drivers don’t expect a tip but do appreciate them. 
  • Try the wines - six of the Canary Islands produce highly respected wines using indigenous grapes that have been there for centuries. 

Where can I compare travel insurance quotes for the Canary Islands?

Travel insurance for your Canary Islands holiday could give you valuable peace of mind and finding the right policy for you couldn’t be easier. Simply compare offers today and get a quote in minutes.

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